Frederick County, MD: Foreclosures, Tax Liens & Distressed Properties

Frederick County, MD, Maryland: 35 ZIP codes scored, Frederick County, MD averaging 23/100 (low, Frederick, MD), from 19 to 24. Frederick County, MD is in its peak phase (Frederick, MD confidence 20/100): Frederick, MD home prices up 1.6% (Frederick, MD) over twelve months. Frederick County, MD lender headwind: 51/100.

Highest-scoring Frederick County, MD ZIPs: 21719 (24/100), 21701 (23/100), 21702 (23/100), 21703 (23/100), 21704 (23/100), 21705 (23/100). Also scored in Frederick County, MD: 21710, 21714, 21716, 21717, 21718, 21727, 21754, 21755, 21758, 21762.

Across Frederick County, MD's scored ZIPs: median home value $475,900, household income $127,993, 5.8% vacancy, 7.6% poverty, 83% owner-occupied, median age 40.8.

Frederick County, MD insurance distress 21/100 (#2,105 in the US); FEMA hazard 0/100 for Frederick, MD; 2 federal disaster declarations in Frederick County, MD since 2023; 4 Frederick, MD NFIP flood claims, $12K paid; Frederick, MD construction distress 64/100.

15 banks with 58 branches lend in Frederick County, MD; Frederick, MD weighted bank stress 62/100, highest 87/100 in Frederick, MD.

Frederick County, MD unemployment 3.3% (Frederick, MD -1.1 pts, six months); 1,074 new housing units permitted in Frederick County, MD over twelve months, Frederick, MD down 15% from 1,259; Frederick, MD home prices +9.1% a year (Frederick, MD) over three years.

108,924 housing units in Frederick County, MD; 23,378 Frederick, MD renter households; 46% of Frederick, MD renters spend 30%+ of income on rent, 22% (Frederick, MD) half or more.

Frederick County, MD ranks #3,050 nationally on the opportunity index (Frederick, MD, among all ranked counties); Frederick, MD scores 22.6/100 and Frederick, MD sits #22 inside Maryland. Frederick, MD is in the weak opportunity phase; Frederick, MD's primary driver is construction, Frederick, MD second driver bank institutional; Frederick, MD moved down 43 places. 46 short-sale listings across Frederick, MD; 84 days on market observed in Frederick, MD; 4.5% vacancy over 35 Frederick, MD ZIPs.

0.9% of Frederick County, MD mortgages were ninety-plus days late in December 2025; Frederick, MD's thirty-to-eighty-nine-day share was 1.5% (CFPB county sample). Frederick, MD's ninety-day rate is up 0.4 points on twelve months earlier; the Frederick, MD peak since 2008 was 5.3% in January 2010; Maryland overall reads 1.1%.

Frederick County, MD has 4 watched banks; 4 Frederick, MD banks sit in an elevated band. Frederick, MD footprints: Woodsboro Bank (5 branches, stress 79) in Frederick, MD; Middletown Valley Bank (4 branches, stress 87) in Frederick, MD; First United Bank&Trust (3 branches, stress 63) in Frederick, MD.

HUD lists 46 assisted multifamily properties in Frederick County, MD with 2,418 units; 484 Frederick, MD units are assisted, 10 Frederick, MD properties under project-based Section 8.

4,289 of the 108,924 housing units in Frederick, MD sit vacant. Frederick County, MD permitted 168 multifamily units in twelve months; Frederick, MD's one-to-four unit structures added 906 units in Frederick County, MD.